Employer-sponsored benefits are a critical element of an employee’s total compensation. Yet it’s no secret that employees struggle to understand how to leverage their benefits to improve their health, reduce waste and avoid medical debt. The National Institutes of Health cited that only 8% of Americans receive routine preventive medical care, despite its $0 cost. Health care avoidance often results in higher costs once care is received, reinforcing the idea that health care is too expensive to seek consistently.